"Looking ahead, my goal for the coming year and beyond is to invest in more livestock to grow my small herd. Selling charcoal doesn’t provide enough income, but livestock offers a sustainable way to earn money. As they multiply, I’ll sell a portion to help meet my family’s needs. To achieve this, I plan to continue saving money in the savings group from my subsequent transfers. I am very happy and deeply appreciative of the financial support, which is bringing me closer to achieving my goals and improving life for my family." (Country: Kenya)

"Our current house is in a dilapidated state, which poses a serious safety concern for us. For this reason, I am determined to build a new house that will provide the security and space my family needs. My goal is to continue saving $10 each month in the savings group, allowing the funds to accumulate over time. Once I receive more transfers, I will combine the savings to begin building a spacious, secure home for my family. I’m truly thankful for the financial support, which is helping me work toward achieving my goals and improving our quality of life." (Country: Kenya)

"Currently, my job selling charcoal brings in very little income, making it difficult to meet all of my family’s needs. To address this, I plan to use my future transfers to invest in livestock. The goal is to rear the animals and, once they multiply, sell some to generate additional income. This will enable me to better support my family. I will continue saving with my savings group to build up enough funds to purchase the livestock. I am really thankful for the financial support, as it’s helping me work toward a brighter future for my family." (Country: Kenya)

"Looking ahead, my primary goal for the coming year is to complete the construction of our two-room house. This will give us a safe, spacious home to live in. I have joined a savings group where I contribute monthly, and the money gains interest over time. I plan to use both my savings and the interest earned to buy the remaining iron sheets by the end of the year. Through these efforts, I’m hopeful that my dream of building a new home will come true soon. I’m incredibly appreciative of the financial support that is helping me achieve these important goals." (Country: Kenya)

"Looking ahead, my biggest goal is to provide my children with the education they need for a brighter future. I plan to use future transfers to pay for their school fees. This will make sure that their learning continues uninterrupted. Along with supporting their education, I aim to invest in my business, attracting more customers and boosting profits. I’m truly thankful for the financial support, which is helping me take care of my family and improve our lives." (Country: Kenya)

"Working from home for the past 1year has enabled me see an opportunity of opening up the tailoring business here.With time I foresee the number of customers rising , therefore I would like to put up a kiosk worth approximately KES 18000 and get my husband a startup business of trading goats through acquiring 6 goats each at a cost of KES 5000.I am extremely excited that these transfers will enable my family have a better life in the future." (Country: Kenya)

"My goal for the coming year is to complete the construction of my shop, which consists of three rooms. One room will be for my business, while the other two will be rented out to generate additional income. To achieve this, I am setting aside $20 from my monthly transfers, which I save in our local savings club. Once I have saved enough, I will buy the necessary materials, like sand and cement, to finish the construction. I’ve already installed doors in two of the rooms, with some support from my spouse. This project will not only improve my business but also provide extra income from the rental spaces. I am proud of the progress I’ve made so far and extremely grateful for the support that has made this possible." (Country: Kenya)

"Recieving the cash transfers means so much to me. Being an internally displaced person (IDP) I believe the cash transfers will assist me greatly. For the first KES 20000 I intend to purchase a bed and beddings since I currently sleep on the floor. Additionally I intend to purchase food and a goat using the remaining amount. For the second cash transfer of KES 45000 I plan to build a house on a piece of land offered to me by my relatives. This is a great aspect for me to accomplish sonce it means I don't have to continue living in a borrowed house. For the third cash transfer I intend to pay school fees for my grand children and purchase 5 goats at KES 5000 each. This will be my investment into the future." (Country: Kenya)

"Before GiveDirectly came to our area, I had a small grocery business that provided some income to support my family. Unfortunately, the business collapsed, leaving us without a steady source of income. Now, I want to invest part of my transfer into reviving the business. Life has become very difficult. My spouse works as a motorbike taxi operator, but the little income he earns isn’t enough to sustain us, and he often has to work late into the night to make ends meet. Thanks to the transfers we receive from GiveDirectly, things have improved. These cash transfers have allowed us to start rebuilding and creating a more stable income source. Reviving my grocery business will help us cover essential expenses, including school fees for our children, easing the financial strain on my spouse. In addition to that, we are saving part of our income to buy my husband his own motorcycle, which will give us two reliable sources of income. Currently, he rents the motorbike he uses, which leaves him with very little earnings after paying the rental fees. Owning a motorcycle will significantly improve our financial situation and help us build a more secure future for our family." (Country: Kenya)

"When I completed my hairdressing course, my dream was to open my own salon to support my family of five. Unfortunately, I have not had the capital to start this business and have relied on my husband, who is an electrician, to provide for us. I am feeling hopeful with the anticipated transfers, as I plan to use KES 50000 to open my salon and put my skills into practice. Additionally, I will spend KES 10000 to boost my poultry farming, which will help generate extra income for our family. This combined effort will allow me to contribute more and work towards a more stable future." (Country: Kenya)